514 Oak Dr, #A, Capitola, CA 95010 Property Records

Santa Cruz County property record for 514 Oak Dr, #A, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 945 sqft · built 1946
Lot Size	0.091 acres (3,964 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (Jun 1999)
Tax Bill	$8,723 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Nov 2018 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`035-093-31`

Property Details

APN / Parcel Number

Primary APN	`035-093-31`
Alternative APN	`035-093-31-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	945 sqft Living Area
Gross Area	1,185 sqft

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	3,964 sqft (0.091 acres)
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	514 OAK DR, A
City	CAPITOLA
State	CA
Zip	95010-2720
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2010
Census Tract	121802

Owner

Source: Santa Cruz County records, as of August 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	514 OAK DR, CAPITOLA, CA 95010-2720
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 23, 2022	Deed of Trust, Mortgage · Line of Credit SANTA CRUZ COUNTY BANK
Nov 29, 2018	Deed of Trust, Mortgage · Line of Credit COMERICA BANK
May 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage ACADEMY MORTGAGE CORP
Sep 17, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Sep 17, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Dec 4, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 1999 · Amount on Record
Deed Sale	Jun 4, 1999 · Amount on Record
Deed Document Number	199938944
Last Transfer Date	Sep 4, 2020
Transfer Doc	0000036858
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	514 OAK DR # A, A, CAPITOLA, CA 95010-2720
Transaction Type	Mortgage
Record Updated	Sep 5, 2023
Title Company	STEWART TITLE, STEWART TITLE OF CALIFORNIA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 OAK DR A, A, CAPITOLA, CA 95010-2720

Mortgage

Document Number	0000031355
Date	Nov 23, 2022
Instrument	2022-0031355

Lender

Name	SANTA CRUZ COUNTY BANK
Type	Bank
Address	SANTA CRUZ, CA 95061

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	514 OAK DR # A, A, CAPITOLA, CA 95010-2720
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000035455
Date	Nov 29, 2018
Instrument	2018-0035455

Lender

Name	COMERICA BANK
Type	Bank
Address	DALLAS, TX 75201

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	514 OAK DR # A, A, CAPITOLA, CA 95010-2720
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016729
Date	May 15, 2020
Instrument	2020-0016729

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 17, 2020
Property Address	514 OAK DR # A, A, CAPITOLA, CA 95010-2720
Document Number	0000036859
Instrument Date	Sep 14, 2020
Instrument	36859
Transaction Type	Transfer
Record Updated	Oct 7, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	514 OAK DR CAPITOLA CA 950102720, CAPITOLA, CA 95010-2720

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 17, 2020
Property Address	514 OAK DR # A, A, CAPITOLA, CA 95010-2720
Document Number	0000036858
Instrument Date	Sep 14, 2020
Instrument	36858
Transaction Type	Transfer
Record Updated	Oct 7, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	514 OAK DR CAPITOLA CA 950102720, CAPITOLA, CA 95010-2720

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 4, 2018
Property Address	514 OAK DR # A, A, CAPITOLA, CA 95010-2720
Document Number	0000036012
Instrument Date	Nov 28, 2018
Instrument	36012
Transaction Type	Transfer
Record Updated	Dec 20, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	514 OAK DR CAPITOLA CA 950102869, CAPITOLA, CA 95010-2869

Tax Assessment & Valuation

Source: Santa Cruz County assessment roll, as of August 19, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Municipality	Capitola City
Secondary School District	Santa Cruz City High School District (9-12) (09 - 12)
Elementary School District	Soquel Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$559,683 (+2%) Land $351,801 Building $207,882
2025	$8,723.00 (+11.32%) Homeowner's exemption	$548,708 (+4.04%) Land $344,903 Building $203,805
2023	$7,836.00 (+2.06%) Homeowner's exemption	$527,401 Land $331,510 Building $195,891	$989,550
2022	$7,678.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective July 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 18 policies
Nearby Flood Policies	18 in force
Nearby Flood Claims	1 (2011)
Most Recent Claim	Mar 2011 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 97% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SOQUEL CREEK WATER DISTRICT serves 40,962 people · EPA ID CA4410017
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2023
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 822 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Surfnet Communications Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Cruzio, GeoLinks, Xfinity.

Nearby Properties on Oak Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures